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Want to save money? Our professional insurance brokers share their lifetime experience with you.Here are ten suggestions to help you save on your auto insurance policies: Comparison shop. Get quotes from several captive agents (Mercury, Farmers, State Farm, All State, etc) and/or one broker who is appointed with multiple insurance companies. Note that there should be no broker fees added to your premium, unless standard markets decline your application due to number of points or accidents you have on your record. Consider higher deductibles. It will not help you save much, but higher deductibles lower your annual premium. The difference… Read More »Ten Ways to Save on Your Auto Insurance Premium

Mass. State police are crediting an increased number of sobriety checkpoints for a 70 percent rise in drunk driving arrests since 2005. Last year, state police arrested 4,879 people for operating under the influence, compared to 2,869 in 2005.During that time, police have increased the number of sobriety checkpoints from 14 during all of 2005 to 82 last year.State police Colonel Mark Delaney said troopers set up sobriety checkpoints somewhere in the state nearly every Friday and Saturday night.Police announce in advance the county where they’ll be setting up a checkpoint, but not the specific location.Fatalities involving at least one… Read More »70% More Drunk Driving Arrests

U.S. intelligence agencies have concluded that global climate change will worsen food shortages and disease exposure in sub-Saharan Africa over the next two decades, creating operational problems for the Pentagon’s newest overseas military command. Overall, the assessment found that while the United States “is better equipped than most nations to deal with climate change,” the impact on other countries has the “potential to seriously affect U.S. national security interests.” Humanitarian disasters, economic migration, food and water shortages — all caused by climate change — will pressure other countries to respond. Such demands “may significantly tax U.S. military transportation and support… Read More »U.S. Security tied to Climat Issues

An undocumented worker is not entitled to certain workers compensation benefits, New York’s highest court ruled Thursday in the case of a printer who suffered four crushed fingers in a 1995 accident.After his injury, Ronnie Ramroop received temporary disability benefits until 2000, court records in the case of Ronnie Ramroop vs. Flexo-Craft Printing Inc. show. Two years later, he applied for additional benefits for impairment of wage earning capacity, which required he participate in a rehabilitation program. But the New York State Education Department’s Office for Vocational and Educational Services for Individuals with Disabilities said Mr. Ramroop was ineligible for… Read More »New York Highst Court Rules: Illegal Worker Ineligible for Comp Rehab

Electronic Health Record Rules – We Need an Agree A major consumer group, insurers together with Google Inc. and Microsoft Corp. said Wednesday they have agreed to standards intended to speed adoption of personal electronic health records. Experts say the fragmented nature of the health care system, in which most doctors still use paper records and most patients do not have access to their own personal health information, has stalled adoption of digital health records.But Microsoft this month announced that Kaiser Permanente, the biggest U.S. health maintenance organization, will use Microsoft’s HealthVault platform to link Kaiser employees who volunteer to… Read More »Paperless Insurance – Paperless World – Green World

Following nearly 8,000 lightning strikes that set more than 800 wildfires across Northern California, a meterologist is predicting much worse conditions throughout the rest of the fire season. Thousands of firefighters battled the blazes this week from the ground and air. The lightning-caused fires have scorched tens of thousands of acres and forced hundreds of residents to flee their homes, though few buildings have been destroyed, said Daniel Berlant, a spokesman for the California Department of Forestry and Fire Protection. From San Francisco to Los Angeles, cities have only seen a tiny fraction of the rainfall they normally receive at… Read More »California Fire Season Update

An employee got into an argument with a supervisor at a western Kentucky plastics plant early Wednesday, then shot and killed five people before killing himself, police and a company official said.What coverage will be triggered : Worker’s Compensation or Employer’s Liability?If it will be proven than the argument started because of employer – than employer’s liability coverage may be triggered; however, it is not clear whether Director’s and Officer’s coverage shoul apply to such loss.

An attorney and accountant have been charged with participating in a “rent-a-patient” scam described by authorities as the largest medical insurance fraud case in the nation. Dickson, who faces 106 felony counts, is accused of using his law practice to launder as much as $3 million through attorney-client trust accounts and creating fraudulent documents to disguise patient recruiting activities. The charges include grand theft, insurance fraud, money laundering and perjury. He faces up to 73 years in prison if convicted of all counts. Harnen, who faces 118 counts, is accused of helping recruiters and administrators hide their illegal activities by… Read More »Orange County Medical Scam

Wildfires, again, in my home state of California. People are looking for maps of where they are at, so here are some resources:

California’s Department of Insurance concider bringing “pay-as-you-drive” automobile insurance to the state. According to the DOI, California Insurance Code requires automobile insurance rates to be based on three mandatory factors in decreasing order of importance, with the second mandatory factor is “the number of miles [the insured] drives annually.” Under the current regulations, the annual mileage factor is defined as an estimate of the number of miles an insured vehicle will be driven in the next year. The regulations specify how the mileage estimate may be determined. However, insurers establish their own mileage rating brackets for rating purposes. Mileage rating… Read More »Pros and Cons of Pay-As-You-Drive Auto Insurance